The 2025 hurricane season is approaching fast, officially starting June 1st. Predictions from the Colorado State University 2025 forecast indicate an above-average season, with more frequent and intense storms expected along the East Coast. For homeowners, the time to act is now. Ensure your homeowners insurance is in force, Replacement cost coverage is current, and don’t overlook that FLOOD protection EXCLUDED from standard policies. When disaster strikes, proper coverage is the difference between recovery and regret.
What To Expect This Hurricane Season
The CSU 2025 outlook predicts 17 named storms. Of those, researchers expect nine to become hurricanes and four to reach major hurricane strength (Category 3 or higher). Warmer Atlantic waters and favorable wind conditions will likely fuel more intense, longer-lasting storms, which is why the forecast is above average.
Regardless of a direct hit, a hurricane can have far-reaching impacts that can cause damage to a home, including:
- Heavy rainfall and flash flooding
- Overflowing rivers and clogged drainage
- Widespread wind damage and power outages
A single storm system can cause inland flooding days after landfall. That’s why preparation must go beyond boarding windows and stocking food and batteries.
What Homeowners Insurance Does & Doesn’t Cover
Homeowners insurance plays a key role in disaster recovery, but it has limits.
It generally covers:
- Wind damage to your roof or siding
- Fallen trees or branches
- Damage from flying debris
It typically does not cover:
- Flood damage caused by rising water or storm surge
- Water backup from sewers or drains
- Some forms of water intrusion and mold
- Wind damage to homes in coastal areas. If you live in a high-risk zone, you may need additional windstorm insurance to ensure complete protection.
Many policies also include separate deductibles for hurricanes or windstorms, often higher than standard ones. Reviewing your policy before a storm appears on the radar can help identify gaps and give you time to make changes.
Why Flood Insurance Matters More Than Ever
Flooding is one of the costliest natural disasters in the U.S. Many homeowners assume they’re not at risk because they don’t live on the coast.
In reality, flooding can occur anywhere it rains, with overflowing rivers, poor drainage, and prolonged storms being common culprits. FEMA reports that just 1 inch of floodwater can cause $25,000 in damage. Even if you’re not in proximity to water, topographically if there is higher ground above your property elevation-wise, rainfall from distant places can flow downhill and flood Your property!!
You must purchase flood insurance separately — standard homeowners insurance policies exclude it. Don’t wait for news that a storm is coming to act, as most flood insurance policies incorporate a 30-day waiting period before coverage begins. You can purchase a policy through a private carrier or the National Flood Insurance Program (NFIP). A Brooks, Todd & McNeil independent agent can help you identify which flood policy is the right fit for you.
Preparing Your Home and Policy for Hurricane Season
Preparation is twofold: Protect your property and secure your insurance coverage.
Steps To Take at Home
- Clean gutters and downspouts to ensure proper drainage.
- Tie down or store outdoor furniture and equipment.
- Test your sump pump and backup power sources.
- Assemble an emergency kit with essentials.
- Install water sensors in the basement or flood-prone areas for early detection.
Water detection sensors connected to Wi-Fi alert smartphones to leaks and flooding, enabling quick action and potentially qualifying for insurance discounts. Some systems will automatically shut off water to prevent extensive damage. Consult a professional before installing automatic shutoff features for older steam heating or sprinkler systems.
Insurance-Specific Steps
- Review your policy and confirm it’s active and current.
- Understand your deductible for wind- or hurricane-related claims.
- Photograph and inventory valuable items in advance.
- Store both digital and printed copies of your policy documents.
These simple steps can significantly reduce risk and help streamline the claims process if a storm hits.
The Role of Your Insurance Agent in Hurricane Prep
Insurance can be complex. A knowledgeable agent can assist you in navigating the intricate details and setting priorities. Initiating the conversation before a coming storm is on the horizon is crucial.
Before the season peaks, your agent can:
- Review your current homeowners and flood policies
- Recommend higher limits or bundled coverage
- Flag exclusions and suggest added endorsements
- Explain how deductibles work for storm-related claims
Take Action Before the Storms Begin
Hurricane season is here, and the time to act is now. More storms are coming. The sooner you review your insurance and make updates, the better protected you’ll be. Don’t leave your home, finances, or peace of mind exposed.
Contact Brooks, Todd & McNeil today to schedule a policy review, discuss your flood insurance options, and ensure your coverage is ready for whatever this season brings.
About Brooks, Todd & McNeil
Since 1839, the independent agents at Brooks, Todd & McNeil have been pleased to offer our community the best and most affordable policies from a variety of providers. To learn more about our products and services, call (800) 448-4567.